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The Claim Organizer
Total lossUnited States

Fire Total Loss Claim Kit

Your home was destroyed by fire and your insurer wants a list of everything you owned. This kit gives you a room-by-room inventory that calculates replacement cost, depreciation and actual cash value, plus the trackers and letters to keep the whole claim organized.

What's inside

  • US_Fire_Total_Loss_User_Guide.docx
  • US_Fire_Total_Loss_Contents_Inventory_TRACKER.xlsx
  • US_Fire_Total_Loss_ALE_TRACKER.xlsx
  • US_Fire_Total_Loss_Claim_Diary_TRACKER.xlsx
  • US_Fire_Total_Loss_Claim_Letters_TEMPLATE.docx
  • US_Fire_Total_Loss_Recoverable_Depreciation_TRACKER.xlsx

$49

Instant download · Word and Excel · Personal use license

What's inside

  • US_Fire_Total_Loss_User_Guide.docx

    Step-by-step user guide with key terms, rules that may apply, sources and a final checklist

  • US_Fire_Total_Loss_Contents_Inventory_TRACKER.xlsx

    Room-by-room contents inventory with RCV, depreciation and ACV calculated, summary by room and category

  • US_Fire_Total_Loss_ALE_TRACKER.xlsx

    Additional living expenses tracker: receipts, extra cost, reimbursed, not yet reimbursed, monthly summary, mileage

  • US_Fire_Total_Loss_Claim_Diary_TRACKER.xlsx

    Claim diary: key dates with alerts, contact log, documents sent, payments received

  • US_Fire_Total_Loss_Claim_Letters_TEMPLATE.docx

    Editable letters to request documents, information or time, to send documents, and to confirm conversations in writing

  • US_Fire_Total_Loss_Recoverable_Depreciation_TRACKER.xlsx

    Item-by-item tracker of withheld depreciation, replacements, receipts and amounts received

Who it's for

  • Homeowners in the US whose house was destroyed or made unlivable by fire
  • People asked by their insurer for a detailed contents inventory
  • Households living elsewhere and paying extra costs while the claim is open

How the documents work together

Start with the Claim Diary to record your claim details and deadlines. Build the Contents Inventory room by room; its summary gives totals by room and category. Log every living cost in the ALE Tracker, send documents with the letters, and once the insurer pays actual cash value, follow the withheld amount in the Recoverable Depreciation Tracker.

Is this the right kit?

Choose this kit if your home was destroyed or cannot be lived in after a fire. If the home is standing and only some rooms were damaged, see the Fire Partial Loss Claim Kit. After a wildfire, see the Wildfire Total Loss Claim Kit.

What's not included

  • Advice about your policy, your coverage or the value of your claim
  • Contact with your insurer, adjuster, landlord or lender on your behalf
  • Negotiation or representation of any kind
  • Pre-filled prices, depreciation rates or deadlines (these come from your records, your policy and your insurer)

Format and delivery

Instant download after payment: a personalized ZIP with Word (.docx) and Excel (.xlsx) files. Works in Microsoft Word and Excel, Google Docs and Sheets, LibreOffice. US Letter page size. 5 downloads within 30 days. Personal use license.

Questions about this kit

Are prices or depreciation rates included?

No. Prices come from today's replacement cost for your own items, and depreciation rates come from your insurer. The spreadsheet calculates once you enter them, and a per-line override is available.

Can I use this if my insurer has its own inventory form?

Yes. Many insurers accept a spreadsheet; ask in writing with the included letter. If your insurer requires its form, you can copy the columns it needs from your completed inventory.

Does the kit tell me what my policy covers?

No. The guide shows where to look in your policy and which official rules may apply in some states, but your policy and your insurer decide coverage.

Helpful guides